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DHVIJA FINANCE

539552 BSE
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MCP
Close 26 Aug 2026 ₹12.42 −8.54 −40.7% since 6 Nov 2025
Start ₹20.96

Key Fundamentals

MicrocapNBFCFinancial Services

Price-based figures · EPS basis: Standalone · TTM

Debt to Equity
0.69
EPS (TTM)
₹1.04
Book Value
₹3.29
Market Cap
—
P/E (TTM)
—
P/B
—
ROE
14.70%
Dividend Yield
0.00%
52W High
—
52W Low
—
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

51 Average

Data confidence 94/100

Category scores

Quality
66
Strong
Returns, margins, earnings quality 22% weight
Valuation
40
Weak
Cheap vs sector & own history 24% weight
Growth
96
Strong
Sales & profit trajectory 9% weight
Financial Health
37
Weak
Solvency, leverage, coverage 9% weight
Momentum
37
Weak
Trend strength, vol-adjusted 12% weight
Ownership
50
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 113% CAGR over last 5 years

Weaknesses

4
  • Stock is trading at 3.24 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 36.9%
  • Company has a low return on equity of 12.8% over last 3 years.

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBearish973
OscillatorsNeutral171
Moving AveragesStrong Bearish802

Key readings

RSI (14)
48.66
Neutral
MACD (12,26,9)
−0.09
Bullish
SMA (50)
12.46
Bearish
SMA (200)
16.19
Bearish

As of , the latest day with price data, so these readings are not current.

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+45.23%
5Y+83.61%
3Y+117.81%
1Y+63.40%
TTM+135.47%

Net profit

Net profit growth by window
10Y+71.57%
5Y+113.35%
3Y+106.77%
1Y+36.42%
TTM+213.04%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹0.51 Cr
Mar 2018₹0.51 Cr
Mar 2019₹1.25 Cr
Mar 2020₹0.88 Cr
Mar 2021₹0.52 Cr
Mar 2022₹0.54 Cr
Mar 2023₹1.05 Cr
Mar 2024₹3.74 Cr
Mar 2025₹6.64 Cr
Mar 2026₹10.85 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹0.03 Cr
Mar 2018₹0.02 Cr
Mar 2019₹0.04 Cr
Mar 2020₹0.07 Cr
Mar 2021₹0.05 Cr
Mar 2022₹0.10 Cr
Mar 2023₹0.25 Cr
Mar 2024₹0.78 Cr
Mar 2025₹1.62 Cr
Mar 2026₹2.21 Cr

Quarterly Results

₹ Cr
539552 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.36
0.45
0.86
2.07
1.46
1.69
1.76
1.74
1.97
2.17
2.56
4.11
8.02
Expenses
0.23
0.21
0.32
1.87
0.97
0.78
0.89
0.94
1.09
1.23
1.34
2.72
3.33
Financing Profit
0.13
0.22
0.52
0.17
0.44
0.76
0.61
0.44
0.49
0.57
0.84
1.05
4.26
Fin. Margin %
36.11%
48.89%
60.47%
8.21%
30.14%
44.97%
34.66%
25.29%
24.87%
26.27%
32.81%
25.55%
53.12%
Other Income
0
0.01
0
0.01
0.01
0
0
0
0
0
0.22
0.03
0
Interest
0
0.02
0.02
0.03
0.05
0.15
0.26
0.36
0.39
0.37
0.38
0.34
0.43
Depreciation
0.01
0.01
0.01
0.01
0
0
0.02
0.06
0.05
0.05
0.05
0.05
0.04
PBT
0.12
0.22
0.51
0.17
0.45
0.76
0.59
0.38
0.44
0.52
1.01
1.03
4.22
Tax %
0%
27.27%
25.49%
29.41%
24.44%
25%
25.42%
26.32%
25%
25%
27.72%
26.21%
25.36%
Net Profit
0.13
0.17
0.38
0.13
0.34
0.56
0.44
0.28
0.33
0.39
0.73
0.76
3.16
EPS (₹)
0.08
0.03
0.08
0.03
0.07
0.11
0.09
0.06
0.07
0.08
0.15
0.16
0.65

Profit & Loss

₹ Cr
539552 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.08
0.26
0.51
0.51
1.25
0.88
0.52
0.54
1.05
3.74
6.64
10.85
16.86
Expenses
0.07
0.25
0.47
0.46
0.19
0.76
0.39
0.35
0.64
2.56
3.53
6.33
8.62
Financing Profit
0.01
0.01
0.04
0.05
0.06
0.12
0.09
0.16
0.32
1.05
2.25
2.98
6.72
Fin. Margin %
12.5%
3.85%
7.84%
9.8%
4.8%
13.64%
17.31%
29.63%
30.48%
28.07%
33.89%
27.47%
39.86%
Other Income
0
0
0
0
0
0
0
0
0.04
0.01
0
0.22
0.25
Interest
0
0
0
0
1
0
0.04
0.03
0.09
0.13
0.86
1.54
1.52
Depreciation
0
0
0
0
0.01
0.02
0.02
0.02
0.02
0.02
0.08
0.21
0.19
PBT
0.01
0.01
0.04
0.05
0.05
0.1
0.07
0.14
0.34
1.04
2.17
2.99
6.78
Tax %
0%
0%
25%
40%
20%
30%
28.57%
28.57%
26.47%
25%
25.35%
25.75%
—
Net Profit
0.01
0.01
0.03
0.02
0.04
0.07
0.05
0.1
0.25
0.78
1.62
2.21
5.04
EPS (₹)
0.01
0.01
0.02
0.01
0.02
0.04
0.03
0.06
0.15
0.16
0.33
0.45
1.04
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—

Balance Sheet

₹ Cr
539552 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3.1
3.1
3.1
3.1
3.1
3.1
3.1
3.1
3.1
8.89
8.89
8.89
Reserves
0.01
0.02
0.04
0.07
0.1
0.18
0.23
0.33
0.57
3.38
5
7.21
Borrowing
0
0.1
0.01
0
13.15
1.47
0.64
0.85
1.61
2.1
12.35
11.14
Other Liabilities
0.03
0.07
0.09
0.12
0.13
0.13
0.15
0.13
0.2
0.59
1.17
1.98
Total Liabilities
3.14
3.29
3.24
3.29
16.48
4.88
4.12
4.41
5.48
14.96
27.41
29.22
Fixed Assets
0
0
0
0.02
0.01
0.07
0.05
0.06
0.04
0.01
0.66
0.46
CWIP
0
0
0
0
0
0
0
0
0
0
0
0.1
Investments
0.93
0.84
0.84
0.83
0.83
0.21
0.31
0.21
0
0
0
0
Other Assets
2.21
2.45
2.4
2.44
15.64
4.6
3.76
4.14
5.44
14.95
26.75
28.66
Total Assets
3.14
3.29
3.24
3.29
16.48
4.88
4.12
4.41
5.48
14.96
27.41
29.22

Cash Flow

₹ Cr
539552 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−0.17
0.03
0.03
0.07
−14.4
10.47
1.31
−1.05
−1.34
−9.07
−12.87
−6.46
Investing
0.17
−0.14
0.12
−0.06
1.25
1.27
0.29
0.35
0.78
1.61
3.82
8.12
Financing
0
0.1
−0.09
−0.01
13.16
−11.69
−0.87
0.19
0.67
8.21
9.42
−2.69
Net Cash Flow
−0.01
−0.02
0.07
−0.01
0.01
0.04
0.73
−0.51
0.11
0.75
0.37
−1.02
Free Cash Flow
−0.17
0.03
0.03
0.05
−14.4
10.39
1.31
−1.08
−1.35
−9.07
−13.6
−6.56
CFO/OP
−1,700
300
75
160
−1,358
8,750
1,023
−532
−305
−747
−396
−125

Ratios

539552 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0.32%
0.32%
0.96%
0.63%
1.26%
2.16%
1.51%
2.96%
7.04%
9.79%
12.39%
14.74%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view DHVIJA FINANCE insights

47 extracted metrics across FY10–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 49.72%
  • Promoters 36.91%
  • Others 13.37%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

Frequently Asked Questions about DHVIJA FINANCE

What does DHVIJA FINANCE LIMITED do?
Dhvija Finance Ltd (formerly F Mec International Financial Services Ltd) is an RBI-registered, non-deposit-taking NBFC providing digitally originated retail, salary-linked and small-business credit to salaried individuals, MSMEs and other underserved urban/semi-urban borrowers.
Where is DHVIJA FINANCE LIMITED (FMEC) listed?
DHVIJA FINANCE LIMITED trades under code 539552 on the BSE.
Which sector does DHVIJA FINANCE LIMITED belong to?
DHVIJA FINANCE LIMITED is classified under the Financial Services sector, in the Finance industry.
What is the Return on Equity (ROE) of DHVIJA FINANCE LIMITED?
DHVIJA FINANCE LIMITED reported a return on equity of 14.70%. Its debt-to-equity ratio is 0.69.

Company Information

Dhvija Finance Ltd (formerly F Mec International Financial Services Ltd) is an RBI-registered, non-deposit-taking NBFC providing digitally originated retail, salary-linked and small-business credit to salaried individuals, MSMEs and other underserved urban/semi-urban borrowers.

Website fmecinternational.com, www.f-mecinternational.com
Listed 1 Aug 2016
Face Value ₹2

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